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Kiplinger
Kiplinger
Business
Cathy DeWitt Dunn, CDFA®, FRC®

Your 401(k) Is Sitting Pretty Right Now: It Could Be Time to Rethink Your Strategy

SEC Health Care Insurance
(Image credit: Getty Images)

If you've looked at your 401(k) lately, you may have been pleasantly surprised. After several years of market volatility, many retirement accounts are sitting at or near their highest levels.

In the fourth quarter of 2025, the average 401(k) balance jumped to $146,400, up 11.2% from the same quarter in 2024, an all-time high. The average IRA also rose, to $137,095.

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